Kuru is a decentralized finance (DeFi) protocol designed to provide a suite of financial services across multiple blockchain networks. It operates on blockchains such as Ethereum, Polygon, and BNB Chain, aiming to address challenges like high transaction fees and fragmented liquidity by offering a unified, cross-chain experience. The core functionality of Kuru revolves around its money markets, which allow users to lend and borrow digital assets in a permissionless environment. Users can supply cryptocurrencies to the protocol to earn interest, which is determined algorithmically based on supply and demand. Conversely, they can use their supplied assets as collateral to borrow other digital assets. In addition to its lending and borrowing markets, Kuru features liquidity pools where users can act as liquidity providers (LPs). By contributing assets to these pools, LPs facilitate swaps and other transactions on the platform, earning a share of the transaction fees as a reward. This mechanism is crucial for maintaining deep liquidity and ensuring efficient asset exchange within the ecosystem. The protocol is governed by the Kuru DAO (Decentralized Autonomous Organization), where holders of the native KURU token can propose and vote on changes to the platform. This includes adjustments to interest rate models, the addition of new collateral types, and updates to the protocol's core parameters. As a non-custodial protocol, Kuru ensures that users always maintain control over their private keys and funds, with smart contracts that have undergone third-party security audits to mitigate risks.